Credit union · NCUA insured
Hawaii First FCU Auto Loan Rates
Top CarrotHawaii First FCU auto loans start at 4.50% APR for a new vehicle and 5.00% for a used one. Rates checked October 22, 2026.
How Hawaii First FCU’s auto loan rates compare
Compared with banks and credit unions near Hilo, HI, where Hawaii First FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Hawaii First FCU
4.50%APR
- Terms
- —
New Vehicles
Lowest rate
CU Hawaii Federal Credit Union
4.49%APR
- Terms
- up to 84 months
2nd-lowest rate
Hawaii County Employees FCU
4.50%APR
- Terms
- up to 60 months
Hawaii First FCU auto loan score
87
Auto loan score
Higher than 75% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed5.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hawaii First FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicles
Membership with Hawaii First FCU is required upon loan approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.50% | — |
| — | 4.50% | Celebrate our 70th anniversary with 1 point off your qualified rate as low as 4.50% APR on new autos! Subject to change at anytime so contact us today! |
Sources (3)
All captured Oct 3, 2026
Used Vehicles
Membership with Hawaii First FCU is required upon loan approval.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.00% | — |
| — | 5.00% | Celebrate our 70th anniversary with 1 point off your qualified rate as low as 5.00% APR on used autos! Subject to change at anytime so contact us today! |
Sources (3)
All captured Oct 3, 2026
Who can join Hawaii First FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives on the Island of Hawaii is eligible for membership.
- Persons who regularly work, attend school, worship, perform volunteer services, or participate in associations headquartered on the Island of Hawaii are eligible for membership.
Family and household
- Immediate family members are eligible for membership.
Other ways
- Persons participating in programs to alleviate poverty or distress located on the Island of Hawaii are eligible for membership.
- Incorporated and unincorporated organizations located on or maintaining a facility on the Island of Hawaii are eligible for membership.
Membership information collected October 4, 2026.